Visa, RuPay 📡 Contactless NFC

Kotak Cashback Plus Credit Card

Joining Fee₹750

Annual Fee₹750

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Urban food delivery and quick-commerce spenders ordering regularly from Swiggy, Zomato, Blinkit, and Zepto seeking 5% statement cashback, 3% on fuel, and RuPay UPI support.

Who Should Avoid

High spenders constrained by the ₹750/month cashback cap or users seeking airport lounge visits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

₹250 cashback upon completing retail transactions worth ₹2,500 within first 30 days of card setup

5% Cashback on Groceries & Food Delivery

5% direct cashback on quick-commerce groceries (Blinkit, Zepto, BigBasket) and food delivery (Swiggy, Zomato), capped at 750 points/month combined.

3% Cashback on Fuel

3% cashback on all fuel spends across petrol pumps in India (capped at 250 points/month).

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹750 is waived off on spending ₹1,00,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Direct Cashback = ₹1

Standard Base Earning

1% unlimited cashback on all other eligible online and offline retail transactions (1 Point = ₹1.00)

Accelerated / Partner Rate

5% direct cashback on Blinkit, Zepto, BigBasket, Swiggy, and Zomato (capped at ₹750/billing cycle combined); 3% cashback on fuel purchases (capped at ₹250/billing cycle); 1% cashback on other retail

Points Validity:Never Expire

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct Statement Credit Adjustment (1 Point = ₹1.00, auto-credited monthly)

🚫 No Reward Points / Cashback on:

Wallet Loads Rent Payments Government Spends Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹100,000/yr

Annual renewal fee of ₹750 + GST is waived off on spending ₹1,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

1% cashback on eligible RuPay merchant UPI transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the Kotak Cashback Plus Credit Card

Annual Fee: ₹750/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, Kotak Cashback Plus Credit Card has a joining fee of ₹750 and an annual renewal fee of ₹750 (plus applicable taxes).

Kotak Cashback Plus Credit Card ₹750/yr